Best Business Credit Cards in Canada

We currently track 3 business credit cards and rank them by estimated first-year value — the signup bonus plus a realistic year of rewards, minus the annual fee. Across this shortlist, annual fees range from $150 to $799, and estimated first-year value tops out at +$2,400 with the American Express Business Platinum. Each option here carries an annual fee, so the estimated first-year value already accounts for that cost.

Beyond our top pick, the American Express Marriott Marriott Bonvoy Business and American Express Business Gold round out the leaders in this category.

How to choose the right card for you

Start with how you actually spend. Among the 3 business credit cards we track, each option earns its keep by returning more in rewards and perks than its annual fee costs. If you want predictable value with no math, a low- or no-fee flat-rate card is the safest keeper. If your spending is concentrated in specific categories — or in large recurring payments like rent, tuition and bills — a card with the right multipliers and the right rent-payment platform pairing usually earns more. Cards that shine on recurring bills tend to pair well with platforms like Chexy or Neobanc for eligible payments, where accurate. Weigh each annual fee against the first-year value shown: a fee is only worth paying when the rewards and perks clearly exceed it.

Still comparing? It's worth reading our pay rent with a credit card and best credit cards for rent guides before you apply — the best card in isolation isn't always the best card for your setup.